Are you THF member? See how Teachers Health Travel Insurance compares
The Teachers Health Fund (THF) is run for teachers, by teachers, and is currently one of Australia’s biggest industry-based insurance funds. Teachers Health Travel Insurance products are products are underwritten by Allianz Australia.
Teachers Health Travel Insurance policies
Comprehensive
This is the broadest Teachers Health Travel Insurance product providing a wide range of cover:
- Unlimited cover for overseas emergency medical assistance and hospital expenses
- Hospital cash allowance
- Alternative transportation costs
- Loss of income
- Cancellation fees and/or lost deposits, and
- Additional expenses
Domestic
This travel insurance plan is for travel within Australia, and therefore does not cover incidents related to personal injury that would fall under the terms of your own health insurance policy. However, it does provide cover in the following cases:
- Accidental death
- Additional expenses
- Travel delays
- Loss of luggage
Multi-trip
Available for a period of 12 months, this plan is ideal for those who travel often. You are covered for:
- Emergency medical assistance
- Hospitalisation
- This basic travel insurance plan covers the bare necessities, including:
- Unlimited medical assistance
- Hospitalisation
- Additional expenses
- Loss of luggage and personal effects
- Cancellation fees and/or lost deposits
Cancellation and Luggage Plan
Also available as a single, duo or family option, this plan speaks to two sections of the policy:
- Cancellation fees
- Loss or theft of your luggage and personal effects
How do the policies compare?
| BENEFIT SECTION | COMPREHENSIVE PLAN | DOMESTIC PLAN | MULTI-TRIP | ESSENTIALS PLAN | CANCELLATION & LUGGAGE PLAN |
|---|---|---|---|---|---|
| Accidental Death | $25,000 | $25,000 | $25,000 | ||
| Additional Expenses | $50,000 | $25,000 | $50,000 | $25,000 | |
| Alternative Transport Expenses | $5,000 | $5,000 | |||
| Cancellation Fees & Lost Deposits | Limit Selected | Limit Selected | Limit Selected | $2,000 | Limit Selected |
| Domestic Pets | $500 | $500 | |||
| Domestic Services | $500 | $500 | |||
| Hospital Cash Allowance | $5,000 | $5,000 | |||
| Loss of Income | $10,400 | $10,400 | |||
| Luggage & Personal Effects | $10,000 | $10,000 | $10,000 | $3,000 | $3,000 |
| Luggage& Personal Effects Delay Expenses | $500 | $250 | $500 | $250 | $250 |
| Overseas Emergency Medical & Hospital Expenses | Unlimited | Unlimited | Unlimited | ||
| Emergency Dental Expenses | $1,000 | $1,000 | $1,000 | ||
| Overseas Emergency Medical Assistance | Unlimited | Unlimited | Unlimited | ||
| Permanent Disability | $25,000 | $25,000 | |||
| Personal Liability | $5 million | $5 million | $2.5 million | ||
| Rental Vehicle Insurance Excess | $3,000 | $3,000 | $3,000 | $3,000 | |
| Return Airfare | $3,000 | $3,000 | $2,000 | ||
| Theft of Cash | $250 | $250 | $250 | ||
| Travel Delay Expenses | $2,000 | $2,000 | $2,000 | $2,000 | |
| Travel Documents, Transaction Cards & Travellers Cheques | $5,000 | $5,000 | |||
| Travel Services Provider Insolvency | $10,000 | $10,000 | $10,000 |
Additional options available on Teachers Health Travel Insurance policies
While certain sports and activities are covered automatically under the terms of the policy, you have the option to upgrade your plan with additional options.
Teachers Health Travel Insurance Snow Pack
This optional extra is available on the Comprehensive, Domestic and Multi-trip plans for an additional premium and covers:
- Emergency rescue
- Loss or damage to your own or hired ski equipment
- Bad weather
- Piste closure
Teachers Health Travel Insurance Golf Pack
If you’re planning a stay in a golf resort or just spending a few days on the greens, you can boost your current plan with this optional extra to cover:
- Personal and hired golfing equipment and
- Golf green fees
Teachers Health Travel Insurance Cruise Pack
Cruise ships go in and out of international waters, and if your policy doesn’t cover injury or loss internationally, the financial ramifications can be catastrophic. The additional premium ensures coverage for:
- Medical expenses
- Evacuation to shore
- Confinement to your cabin
- Spoilt formal attire
- Marine rescue diversion
Teachers Health Travel Insurance Bicycle Pack
For an extra premium, you can have your bicycle insured for up to $15,000.
Teachers Health Travel Insurance Adventure Pack
A number of extreme sports are not covered under the travel insurance policy “automatically included sports and activities” section, so if you’re planning to engage in high-risk sports during your holidays, you'll need to cover possible injury or loss with the Adventure Pack.
General exclusions that apply to THF Travel Insurance
You will not have cover under any section of your Teachers Health Travel Insurance policy if your claim arises from:
- Acting intentionally or recklessly
- Consequential loss
- Aware of circumstances
- Errors or omissions
- Insolvency
- Illegal acts
- Government confiscation
- Epidemic/ pandemic
- Government warning
- Travel against medical advice
- Under the influence of intoxicating drugs or alcohol
- Engaging in professional sports
Teachers Health Travel Insurance claims
If you have to submit a claim, the key is to do it as quickly as possible after the incident. Peruse the conditions of your Teachers Health Travel Insurance policy to make sure that the incident is covered by your plan or optional extras. Here’s how to go about submitting a claim.
Get in touch
- Download the claims form and send it to Teachers Health Travel Insurance, or get in touch via telephone. It’s imperative to be quick about it – any perceived delays can result in reduced pay-outs and penalties to cover the loss on the provider’s end.
Be thorough
- Provide all information and documentation required by Teachers Health Travel Insurance including receipts, police reports, medical reports and proof of ownership. Remember, if you leave out crucial details or provide false information, your claim will be rejected and your policy cancelled.
Australian dollars
- Once approved, your cover will be paid in Australian dollars into the back account you specify.
My wife and I are booking a 9 day trip to Hong Kong in early March and a 20 day trip to Vietnam and Cambodia in late November/early December.
Would a yearly comprehensive travel insurance policy be cheaper than a separate policy for each trip.
Hi Paul,
Thanks for your question. It will depend on the level of cover and the insurer you choose to go with. We have a page that compares the cost of a single trip policy with that of an annual. These costs were correct as of September 2015, so while these costs may have changed they should give you a general idea of where you’ll find the best value.
I hope this was helpful,
Richard